Terms and Conditions

1. Privacy Policy

What information do we collect?

We collect information from you when you register on our site, place an order, subscribe to our newsletter, or fill out a form.

When ordering or registering on our site, as appropriate, you may be asked to enter your name, e-mail address, mailing address, phone number or credit card information. What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

* To improve customer service: Your information helps us to more effectively respond to your customer service requests and support needs.

* To process transactions: Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company or third parties for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.

* To send periodic emails: The email address you provide for order processing, will only be used to send you information and updates pertaining to your order and/or updates pertaining to products or the website.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems and are required to keep the information confidential.

After a transaction, your private information e.g., credit cards, financials, etc. will not be stored on our servers.

Do we use cookies?

Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.

Do we disclose any information to outside parties?

We do not sell, trade or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising or other uses.

Your Consent

By using our site, you consent to our web site privacy policy.

2. FAQ’s on transactions

Question 1. What are the channels available to a customer to make payment?

Answer:- Internet Banking (Individual Corporate), Debit and Credit Cards, UPI and such other modes based on integration available from respective resource.

Question 2. Can a customer use NEFT/RTGS if he/she does not have access to above channels?

Answer:-This service will be made available soon.

Question 3. What is the role of an aggregator?

Answer:- An aggregator is the Payment Aggregator service which provides multiple payment options on a single payment page for the convenience of depositors of our website.

Question 4. What are all the payment modes available on the aggregator page?

Answer:- Aggregator facilitates online payments through all Credit and Debit Cards issued by MasterCard, Maestro, VISA, RuPay based on their arrangements and thus they can add and drop such arrangements over a period of time. It also facilitates transactions through Internet Banking, payment service of empanelled Banks and UPI.

Question 5. Are transactions on Aggregator service secure?

Answer:- Aggregators are certified with Payment Card Industry Data Security Standard (PCI DSS) ver. 2.0 certified, which reinforces our promise of security. It has also obtained necessary Certification. The payment system follows secured processes and also supports 3DSecure - Verified by Visa and MasterCard Secure Code, and second factor authorization as facilitated by respective Banks for Internet Banking Service, wherever applicable. Further, aggregators use Secure Sockets Layer (SSL) encryption which ensures that payment information is never sent over the Internet unencrypted and cannot be viewed by unauthorized intruders in the network.

Question 6. How can a customer understand that payment has been made successfully?

Answer:- After a customer fills required details on our website and clicks "Pay" or “Make payment”, the customer is redirected to selected aggregators payment page and is presented with payment options like Debit Card, Credit Card, Internet Banking and such other permissible modes. The customer enters his details and clicks "Proceed". Then the Customer may see one of the two options:
(i) For internet banking: User ID password page of Banks FAQs
(ii) For cards: Fields to Enter Card details and 3D Secure page.
(iii) For such other: name, OTP or such other secured options.
After successful completion of transaction, the Customer is redirected to the website with a successful receipt of payment.

Question 7. How do I know that my Bank participates in 3D Secure transactions?

Answer:- If a customer is presented with a 3D Secure page prompting them to enter a password/OTP on the aggregator page, this means the Card issuing Bank participates in 3D Secure transaction. This is mandatory in India for Card transactions.

Question 8. Subscription/ payment made for but didn't receive the copy of the same.

Answer:- Please contact the concerned service desk.

Question 9. Request for Change of Address for supply of the products/ goods/ services.

Answer:- If you are a registered user on our website, you can visit your account page and make changes to your address. If you are not registered, you can either register and do this or you can update your address during checkout, before payment. Please note that addresses cannot be changed for an order once payment is made and the order is placed and is in process. Please contact the concerned service desk for any additional queries.

Question 10. I wanted to know when I would receive my order since I couldn't figure out the order number and I have attached the screenshot of the transaction.

Answer:- Registered users can track their order through their account. Further, email intimations are sent to the registered Id regarding dispatch of orders. For further queries please contact the concerned service desk.

Question 11. I am unable to make payment on your website

Answer:- You may change the browser and delete the cookies to overcome this issue. And also please follow the user guide, which is available on our website.

Question 12. Refund of the amount.

Answer:- For any refund, please read our refund policy and follow the necessary steps.

Question 13. User account is debited but transaction is shown failed

Answer:- In case the amount has been debited from your bank account/ credit card/ debit card or other such modes, please do not make another payment. If a transaction has failed, your order will not be processed which can be checked in your profile against Orders. In case of a failed transaction, the amount will be credited back in the user's bank account within the prescribed time limit. For more queries, please contact our Helpdesk.

Question 14. My account has been debited but transaction status is not successful.

Answer:- If transaction status is "FAIL OR REFUND IF SETTLED" then the amount will be credited back in the user's bank account within a prescribed time limit. If the issue is unresolved, please contact our service desk.

Question 15. Online Payment NOT WORKING

Answer:- You can try again or contact our help desk.

Question 16. A wrong entry in customer details page is made by customer, what is the process to rectify that

Answer:- In case of a registered user, the customer can himself/herself login and change the details for all subsequent payments. For a non-registered user or a retrospective change, the customer needs to contact our helpdesk (via phone /email) to make the changes.

Question 17. User has made the payment and the payment was successful but the User did not get any Transaction Ref. number.

Answer:- Please contact our help desk.

Question 18. The user while making Online payment (Credit Card/Debit Card/Net banking) has inadvertently made the payment more than once due to lag of system/network issues and now the user wants a refund for the same.

Answer:- As per the Terms and Conditions and Charge-back and Refund Policy at our website the user should first contact the help desk.

Question 19. Can International payments be processed?

Answer:- This service will be launched soon.

Question 20. What is the support available for the Customer?

Answer:- Our website is supported by technical support for all customers transactions. Email us at the address shown in our website helpdesk for any queries, transaction details or any other issues.

3. Customer Service / Help Desk / webdesk contact number:

Name: Designated persons on behalf of Anaya Achal
Designation: Customer Service Representative
Address: Door No.6-112, Plot No.204/A, Industrial Area, Baikampady, Mangaluru, Dakshina Kannada, Karnataka State, India - 575011
Contact details: customercare@anayabyachal.com


Once an order is placed by you and you get the order confirmation, the order cannot be cancelled.

The company / commercial establishment reserves the right to refuse or cancel any order placed for a goods / services. This shall be regardless of whether the order has been confirmed and /or payment levied. In the event the payment has been processed or credited to any accounts of company/ commercial establishment or at online platform at www.achalorg.com the same shall be credited to account that duly notified to you / offeror by email without any interest and thereby you undertakes that you will not claim any additional amount as damages/ costs/ expenses.

With respect to the perishable products/ goods, items once ordered cannot be returned. To resolve any disputes related to damage or defect, you undertake yourself that you shall record an unboxing video, followed by clear pictures of the product in question and email the same to the address as shown in the website from time to time. Such requests should come within 24 hours of receiving the product. We will review the claim and process a refund or replacement of product if the claim is sound. Only a replacement shall be given in the case of un matched, different quality/ quantity products are delivered bonafide.

In a credit card transaction, you must use your own credit card or any card that is legally permitted to be used by you. The company / commercial establishment will not be liable for any online transaction risk, fraud or illegal activity in any course. The risk/ liability in the course of online payment mode will be on the user and the onus to “prove otherwise” shall be exclusively on the user. The user as a matter of declaration declares that the company / commercial establishment or the Authorized Signatory of website www.achalorg.com shall not be held responsible in this regard.


Your order for purchase constitutes “offer” from your part, which shall be subject to the terms and conditions of general / special law of the land i.e., Mangaluru jurisdiction. The term ‘You’ shall mean and include a netizen who also approaches us through this website, a netizen may be a natural person or persons of any gender or legal personality. Except otherwise contract to the contrary, the agreement between you and the company/ commercial establishment or authorised Signatories of this website [www.achalorg.com] shall be subject to the following terms and conditions:

  • All prices, unless indicated otherwise, are in Indian Rupees.
  • These terms and conditions supersede all previous representation, undertakings, or agreements and shall prevail notwithstanding any variance with any other terms of any order submitted. By the usage of the e-shopping services of the company / commercial establishment is only a matter of privilege you agree to be bound by the terms and conditions.
  • The Vendor / the company / commercial establishment online platform at www.achalorg.com reserves the right to accept or reject any offer without assigning any reason whatsoever.
  • All price and availability of products are subject to change without prior notice at sole discretion of the company / commercial establishment, further appearance of the product in the website is digitally developed thus physical appearance may differ.


Order will be processed once the money has been successfully credited in the bank account of the company/ commercial establishment or website www.achalorg.com and it normally takes its own reasonable time. From the side of the user once the payment is made till successful credit, the time shall be excluded. The time required for successful credit shall be the date from which the user shall calculate the date of his ‘order’ is placed to us. After successful credit 24 - 72 business hours shall be the date of dispatch from our end. The company / commercial establishment shall not be liable for any delay/ non-delivery of purchased goods due to acts of God or force majeure or any cause that is beyond the control of the company / commercial establishment / websites/ human tendency.

As all orders will be dispatched to the mentioned shipping address and postal pin, guarantee of delivery is only to the shipping address and postal pin as mentioned in your order. The company / commercial establishment / websites shall not be responsible for wrongfully entered addresses and the rerouting of such a delivery and any consequence thereof should be borne by the user/ netizen.


Payments for all orders will be made on the designated website [www.achalorg.com] through secure, digital transactions including debit/ credit card, net banking and UPI or such other digital/ modern way software or firewall. Payments in COD are not available. In the rare event of a refund due to damage, defect or wrong item as mentioned in the above policies, credit will be made to the original payment method as referred supra. Reflection of the credited refund into your account which may take a prescribed time or couple of business/ working days depending on the policies of respective bank or card policy to which the company / commercial establishment / website shall not be held responsible.


The company / commercial establishment/ web platform will not be responsible for any damage suffered by users from use of the services on this site. This without limitation includes loss of revenue / data resulting from delays, non- deliveries, missed deliveries, or service interruptions. This disclaimer of liability also applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action. The user agrees and undertakes to provide authentic and true information when required. The credit card information supplied at the time of using the service is processed by the payment gateway of the service provider and is not supplied to Anaya Achal. It is the sole responsibility of the User of the service to ensure that the information entered in the relevant fields are correct. It is recommended that you take and retain a copy of the transaction for record keeping purposes, which might assist in resolution of any disputes that may arise out or usage of the service.

This Agreement shall be construed in accordance with the applicable laws of India and redressed within the jurisdiction of Mangaluru, Karnataka State, India.

The ‘company / commercial establishment / website’ means Anaya Achal or its branches or any registered trading organization assigned to offer Achal’s products for sale and delivery across India. All disputes will have jurisdiction at Mangaluru only by virtue of your purchase request addressed to our head office at Mangaluru.

Please read this Agreement carefully. This Agreement is effective upon completion of any purchase on this website. You are advised to regularly check for any amendments or updates to the terms and conditions time to time.

Any clause of terms and conditions if deemed severable and shall not affect the validity and enforceability of the remaining clauses of the terms and conditions.